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495 legal questions have been posted about collections by real users. Ask your question and dive into the knowledge of attorneys who handle your issue regularly. Similar topics to explore also include debtor and creditor, and creditors rights. All topics and other states can be accessed in the dropdowns below.
Collections Questions & Legal Answers - Page 8
Do you have any Collections questions page 8 and need some legal advice or guidance? Ask a Lawyer to get an answer or read through our 495 previously answered Collections questions.
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Recent Legal Answers

If I am paying off a debt and would have it paid off the day after court will it still be considered a judgement?

Answered 8 years and 7 months ago by Patrick Johnson (Unclaimed Profile)   |   1 Answer
A judgement is when there is a court order against you saying that you owe somebody some money. If there is such a court order, then that is a judgement, regardless of when you would have paid it off.
A judgement is when there is a court order against you saying that you owe somebody some money. If there is such a court order, then that is a... Read More

Who do I speak to about issues between myself and a charter school. They don't seem to run on the same policies and this issue needs to be resolved.

Answered 8 years and 7 months ago by attorney Mark Tischhauser, Esq.   |   1 Answer
Probably need to hire a civil trial or consumer lawyer. The problem is you will likely pay close to the amount in dispute to hire a lawyer to figure out what actually occurred 
Probably need to hire a civil trial or consumer lawyer. The problem is you will likely pay close to the amount in dispute to hire a lawyer to figure... Read More

tn judgement

Answered 8 years and 7 months ago by Patrick Johnson (Unclaimed Profile)   |   1 Answer
Judgment has to be renewed within the 10 year period. If renewed, then good for an additional 10 year period.
Judgment has to be renewed within the 10 year period. If renewed, then good for an additional 10 year period.

If I stopped check payment for failure to perform agreed service, and check was cashed, am I liable for the amount to the check cashing entity?

Answered 8 years and 7 months ago by Patrick Johnson (Unclaimed Profile)   |   1 Answer
You do not have to pay the check cashing service. Tell them to go after the person who gave them the check.
You do not have to pay the check cashing service. Tell them to go after the person who gave them the check.

wage garnishment for second judgment

Answered 8 years and 7 months ago by attorney Mark Tischhauser, Esq.   |   1 Answer
It won't necessarily matter as the creditor is likely aware of the expiration of the first and will pursue the second pretty quickly. 
It won't necessarily matter as the creditor is likely aware of the expiration of the first and will pursue the second pretty quickly. 

Car title loan repossession?

Answered 8 years and 7 months ago by attorney Mark Tischhauser, Esq.   |   1 Answer
Not sure what you are asking - but the 30 day period is likely the term of the loan under that statute. 
Not sure what you are asking - but the 30 day period is likely the term of the loan under that statute. 

The co. has 400 emp. Pay roll shorted everyone hundrens of $ on their checks. We were told our money will be next payday. 2 wks. Is this legal ?

Answered 8 years and 7 months ago by Patrick Johnson (Unclaimed Profile)   |   1 Answer
No it is not legal. Contact the Tennessee Department of Labor. It sounds like your employer is in financial trouble.
No it is not legal. Contact the Tennessee Department of Labor. It sounds like your employer is in financial trouble.

How long until I know an agency has filed with the court?

Answered 8 years and 7 months ago by Scott F. Bocchio (Unclaimed Profile)   |   1 Answer
You will likley receive somehting in the mail within the coming days. 
You will likley receive somehting in the mail within the coming days. 

I have old unpaid hospital bills but they r like 20 years old ! Lately a man called saying I owe a hosp a lot of money and they are gonna serve me pay

Answered 8 years and 7 months ago by Scott F. Bocchio (Unclaimed Profile)   |   1 Answer
fIRST, FIND OUT THE NAME OF THE AGENCY COLLECTING ON THE DEBT.  NEXT, DIOCUMENT THE DATE AND TIME OF THE CALL AND HOW THEY SAID THEY WILL SERVE YOU PAPERS.  COLLECTION AGENCIES ARE NOT ALLOWED TO THREATEN LEGAL ACTION.
fIRST, FIND OUT THE NAME OF THE AGENCY COLLECTING ON THE DEBT.  NEXT, DIOCUMENT THE DATE AND TIME OF THE CALL AND HOW THEY SAID THEY WILL SERVE... Read More

harassing phone call from you debters

Answered 8 years and 7 months ago by Scott F. Bocchio (Unclaimed Profile)   |   1 Answer
If they company is calling from an Aurto Dialer you can revoke consent.  Tell them to STOP calling.  If they continue calling you may have a case.   
If they company is calling from an Aurto Dialer you can revoke consent.  Tell them to STOP calling.  If they continue calling you may have... Read More

Looking for a lawyer specializing in FDCPA, in Sweetwater County

Answered 8 years and 7 months ago by Scott F. Bocchio (Unclaimed Profile)   |   1 Answer
Legal Rights Advocates focuses on Consumer Rights as they pertain to the FDCPA and TCPA. 
Legal Rights Advocates focuses on Consumer Rights as they pertain to the FDCPA and TCPA. 

Is it a scam

Answered 8 years and 7 months ago by Scott F. Bocchio (Unclaimed Profile)   |   1 Answer
Ask the collection agency to send you a validation letter on company letterhead.  Then,  make sure to do a back ground check on the company.  Call Either the Attorney general in that state or Secratary of State office.  VALIDATE first before paying on a debt that you are not familiar with.   ... Read More
Ask the collection agency to send you a validation letter on company letterhead.  Then,  make sure to do a back ground check on the... Read More

How can I stop a collection agency from calling me for someone else?

Answered 8 years and 7 months ago by Scott F. Bocchio (Unclaimed Profile)   |   1 Answer
We can send them a Cease and Desist letter on your behalf.  FREE Service.  If you inform a Collection Agency that you are not the person they are looking for and they continue to call, they are violating your Consumer Rights and could be subject to paying Statutory damages to you upwards of $1,000.   Feel free to reach out to our office at 855-254-7841.... Read More
We can send them a Cease and Desist letter on your behalf.  FREE Service.  If you inform a Collection Agency that you are not the person... Read More

Stopped payment Check from Customer. Do I have a case?

Answered 8 years and 7 months ago by attorney Mark Tischhauser, Esq.   |   1 Answer
THis may be a "bad check" type case. You probably need to hire a lawyer to handle this properly. 
THis may be a "bad check" type case. You probably need to hire a lawyer to handle this properly. 

I have a lein placed in my condo from cancer centers of America for $125,000.00. My insurance at that time was United Healthcare. They declined to pay

Answered 8 years and 7 months ago by attorney Mark Tischhauser, Esq.   |   1 Answer
You need to hire a lawyer to review this as it sounds like a judgment and if your condo is homesteaded you may need to file bankruptcy. 
You need to hire a lawyer to review this as it sounds like a judgment and if your condo is homesteaded you may need to file bankruptcy. 

I ordered jerseys for my hockey team and the guy hasn't responded to any of my emails in 3 months. Has no tracking number or proof that there are any

Answered 8 years and 7 months ago by attorney Hon. Max L Rosenberg   |   1 Answer
You definitely can sue in small claims. Whether or not you can collect is another issue. Where is his company located and did you try to reverse the charges or cancel the check. Feel free to contact us with additional information to help answer your question. 203.870.6700
You definitely can sue in small claims. Whether or not you can collect is another issue. Where is his company located and did you try to reverse the... Read More

New jersey car repo - bill for deficiency amount

Answered 8 years and 7 months ago by Anthony Van Zwaren (Unclaimed Profile)   |   1 Answer
If there is a deficiency in the sale proceeds against the remaining value of the loan then the bank or finance company can sue your son as a co-signer, since he is jointly responsible for the loan. He also can sue the ex-girlfriend if he knows where she can be served. Optimally, he may be able to settle with the creditor for less than the full value, but it would be better to do that before than after any lawsuit because then attorney fees and court costs get added in. Contact an attorney.... Read More
If there is a deficiency in the sale proceeds against the remaining value of the loan then the bank or finance company can sue your son as a... Read More

HI. I WAS DISABLED BY AN UNINSURED DRIVER 10 YRS AGO. THE JUDGE PUT A # ON MYC INJURY

Answered 8 years and 7 months ago by attorney Hon. Max L Rosenberg   |   1 Answer
I would be interested in hearing more details.  I would like to know what the date of the judgment is.
I would be interested in hearing more details.  I would like to know what the date of the judgment is.

Is it legal for Second Round LP to send a court summons?

Answered 8 years and 8 months ago by Patrick Johnson (Unclaimed Profile)   |   1 Answer
Your question is not very clear but if I read it correctly, you are being sued for debts that you stopped paying in 2011. This is within the statute of limitations for debt collection.
Your question is not very clear but if I read it correctly, you are being sued for debts that you stopped paying in 2011. This is within... Read More

What are these court case codes?

Answered 8 years and 8 months ago by Patrick Johnson (Unclaimed Profile)   |   1 Answer
Can't tell you because each county uses a separate code. You will have to ask the clerk of the court who is using the code that you are asking about.
Can't tell you because each county uses a separate code. You will have to ask the clerk of the court who is using the code that you are asking about.

My wife passed away four years ago, am I responsible for one of her doctor biils ?

Answered 8 years and 8 months ago by Anthony Van Zwaren (Unclaimed Profile)   |   1 Answer
If you were married then in New Jersey you can be held responsible for the bills, if they were legitimate, under the "doctrine of necessities" meaning responsibility for things like medical care, funeral expenses, etc. You said you went to court. Does that mean the matter was dealt with by the court? If so, was judgment for you or for the medical provider/collection agency? If you are on disability or social security however, they can't go after that, but they could go after wages.... Read More
If you were married then in New Jersey you can be held responsible for the bills, if they were legitimate, under the "doctrine of necessities"... Read More

2011-2015 , car loan paid in full. Old uncashed checks , texts as recent as this year with her stating intent to repay. Is there legal standing to sue

Answered 8 years and 8 months ago by Anthony Van Zwaren (Unclaimed Profile)   |   1 Answer
As you sayh, you have standing to sue for debts that are less than six years old, so unless some of the loans occurred pre-July 2011, you would be entitled to claim on those funds. Of coursre you have legal standing. As you mention collecting on judgments is not always the same as getting judgments but if you suspect she has assets, an investigator can be hired to see if she has property in her name including houses, cars, businesses and other assets, in NJ and elsewhere if necessary. And if you have her bad checks that is pretty convincing evidence that she took a loan fraudulently, without intent to repay.... Read More
As you sayh, you have standing to sue for debts that are less than six years old, so unless some of the loans occurred pre-July 2011, you would be... Read More

I live in New Jersey, and received a letter from a 3rd party Collection Agency for a Landscaping Company

Answered 8 years and 8 months ago by Anthony Van Zwaren (Unclaimed Profile)   |   1 Answer
Standard contract statute of limitations is six years. But if the landscaping company went to court and got a judgment against you, they have 20 years. You should at least make sure to file a dispute of the debt and ask for all information regarding the debt. You can also check your credit bureau reports to see if there is anything on your credit history now.... Read More
Standard contract statute of limitations is six years. But if the landscaping company went to court and got a judgment against you, they have 20... Read More

How do I respond to getting sued?

Answered 8 years and 8 months ago by attorney Sharon M. Siegel   |   1 Answer
File an answer in the court denying it is your card.  I could do it, but I charge $500 which is what you could probably settle the whole thing for.  The court clerk has a form for this.  Do not default, or a judgment will be entered.
File an answer in the court denying it is your card.  I could do it, but I charge $500 which is what you could probably settle the whole thing... Read More

Filing a small Claim

Answered 8 years and 8 months ago by attorney Sharon M. Siegel   |   1 Answer
$11,000 is way over small claims.  You will need a lawyer, and you will file in the next level of court.  Which court depends upon where you are, which you did not say.  If you are not getting paid, you should sue.  Do nothing, and you get nothing.
$11,000 is way over small claims.  You will need a lawyer, and you will file in the next level of court.  Which court depends upon where... Read More
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